states of america being behind you, whether you're governor o'malley or governor christie or governor cuomo or the other goafns means that we -- governors means that we need to pass this bill, and we want to pass it because we know that lives were devastated and livelihoods were ruined. in maryland, gosh, we faced these unique challenges -- hurricanes, blizzards, urban and rural communities affected. and our own lower shore, some somerset county was hit. that has one of the highest unemployment rates in the city -- in the state, close to 10%. 18% of the residents moved below a line of 35 $$35,000 a year. and what i said then and i say now, they were rich in community spirit but they don't always have a lot of cash. why? because their jobs are in agriculture, seafood, industries hard hit by the decline in species, by drought, by high fuel prices. when we look at their homes, families live in the same house for one or two, three generations. an appraiser might come by and wonder about what is the value of that house. but if you've gotten that house from your mom and dad, from your grandpop, s